One Claim Just Exposed Your Coverage Holes
Most Business Owners Discover Their Gaps Too Late
You file a claim thinking you're covered. Insurance company denies it. Now you're scrambling. We work backwards from real claims—not hypotheticals—to make sure you're protected where it matters. Wyoming and Colorado contractors have taught us exactly what goes wrong.
Your Business Risks Aren't Generic
A contractor's risk isn't a restaurant's risk. Oil field work isn't retail. We specialize in Wyoming and Colorado contractors because your coverage should be built for your actual business, your actual cycles, and your actual risks—not a template from a call center 1,000 miles away.
Protect what matters
Insurance built on trust and deep community understanding.
Local Expertise You Can Trust
Instead of being stuck with one company's options, JWR compares rates and coverage across multiple top carriers. One call gets you access to multiple quotes, saving you time and money. Most families save $400+ per year when they switch.
We Shop 20+ Carriers
Insurance is only as good as the claim. JWR doesn't just sell you a policy and disappear. When disaster strikes, the team fights for you, handles the paperwork, and makes sure you're paid fairly and fast. Their claims support is rated 4.9/5 stars for a reason.
We're There When It Matters Most
Insurance is only as good as the claim. JWR doesn't just sell you a policy and disappear. When disaster strikes, the team fights for you, handles the paperwork, and makes sure you're paid fairly and fast. Their claims support is rated 4.9/5 stars for a reason.
Plain English
No-Pressure Service
No jargon. No fine print surprises. JWR explains everything like you're sitting at their kitchen table—because that's how they'd want to be treated. Coverage options are clear, bundles show real dollar savings, and you decide without sales pressure.
Trusted by leading insurance carriers
Real stories from real people
When insurance becomes more than just a policy
FAQs
Actual Cash Value (ACV): If your 20-year-old roof is damaged, you're paid its depreciated value ($2,000), not the $15,000 cost to replace it. You pay the gap. Replacement Cost (RC): You're paid the full $15,000 to replace the roof, regardless of age. RC costs more in premiums but protects you fairly. For homes in hail-prone Wyoming and Colorado, we recommend RC for dwelling and personal property coverage.
Yes, absolutely! While you might think only large corporations exposed to significant risk need it, any professional providing advice or services can be sued for alleged errors or negligence, regardless of intent. E&O insurance protects your business's reputation and financial stability, covering legal costs whether the claim is valid or not. It's crucial for peace of mind, even for small businesses in Wyoming and Colorado.
Liability-only insurance covers damages and injuries you cause to other people and their property. "Full coverage" typically adds collision and comprehensive coverage, protecting your own vehicle from accidents, theft, or natural disasters like a Wyoming hailstorm. If you have a newer car, an auto loan, or want maximum protection, full coverage is often recommended. For older vehicles, liability-only might suffice, but consider the financial risk.
While comprehensive, a standard BOP has a few exclusions. It typically does not cover professional liability (often called errors and omissions or malpractice insurance), auto accidents involving company vehicles (you'll need a commercial auto policy for that), or workers' compensation, which is usually a separate and often legally mandated policy. We can help you find additional coverage for these specific needs.
Workers' Compensation and general liability cover different risks for your business. Workers' Comp specifically covers injuries or illnesses to your employees that occur on the job. General liability, on the other hand, protects your business from claims of bodily injury or property damage that you or your employees cause to third parties, like customers or vendors. You often need both for comprehensive protection.
Professional Liability (Errors and Omissions) insurance protects your business financially from claims of negligence, errors, or omissions in the professional services you provide. This includes things like incorrect advice, misrepresentation, or failure to deliver services as promised, which can lead to financial loss for your client. It helps cover legal defense costs and damages up to your policy limits.